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1、毕业论文(20__届)宁波中小型外贸企业融资创新的思考摘要在经济全球化迅猛发展的今天,我国中小型企业也越来越多地从事跨国经营,进出口贸易迅猛增长,在促进经济增长、增加外汇收入、缓解就业压力等方面发挥着愈益重要的作用,已成为促进我国经济持续快速健康发展的重要力量。但是在世界经济处于危机后逐渐复苏和调整、国际市场存在错综复杂的不确定因素的背景下,中小型外贸企业依然面临严峻的挑战和诸多困难,如融资难问题就一直困扰着中小型外贸企业的进一步发展。近年来,宁波从事外贸业务的中小型企业越来越多,目前由于金融危机影响尚未消除,融资渠道狭窄,融资
2、体系不够完善,缺乏统一管理,尚未建立有效的担保机制以及企业自身规模小、信用低、资金少等原因的影响,融资仍然是制约其拓展国际市场的首要难题。此外,资本市场的缺陷和融资体系的不完善使企业融资面临着更多的风险。本文通过分析宁波中小型外贸企业融资难的现状,剖析中小型外贸企业成功融资的典型案例,探讨通过融资观念创新、融资方式创新和融资制度创新,提升中小企业自身信用水平,拓宽融资渠道,以帮助宁波中小型外贸企业克服目前的困境,提高国际竞争水平。关键词:中小型外贸企业;融资难;融资方式;融资创新AbstractNowadayswiththera
3、piddevelopmentofeconomicglobalization,China’sSMEsareincreasinglyengagedintransnationalbusinesswhichleadstoabiggrowthofimportandexportoftrade.Itplaysamoreandmoreimportantroleinstimulatingeconomicgrowth,increasingforeignexchangeearningandreducingemploymentpressure.Now,
4、theeconomygraduallyrecoveringandadjustingaftercrisis,andtherearesomecomplexuncertaintyininternationalmarket.Inthissituation,SIMsfacemanychallengesanddifficulties,liketheproblemoffinancehasbeenpreventedSIMstoexpanddevelop.Inrecentyears,therearemoreandmoreSIMsengagedin
5、foreigntradebusinessinNingbo.Atpresent,financingistheprimaryproblemstorestrictingSIMsexpandininternationalmarket.Therearesomereasons,suchasthefinancialcrisishasnotbeeneliminated,financingchannelisnarrow,thefinancingsystemisnotprefect,lackofunifiedmanagement,havenotes
6、tablishedaeffectivesecuritymechanismandthecompaniesaretoosmall,lowlycreditandlackoffunds.Intheefficacyoffinancialcrisis,thedefectofcapitalmarketandtheimperfectoffinancingsystemlendthefinancingofcorporatehavefacedmorerisks.Thisarticlewillanalysissomecasesaboutsuccessf
7、inancingofSIMs,exploretheinnovationoffinancingconcept,financingmethodandfinancingsystemthroughthestatusofdifficultfinancingofSIMsinNingbo.Theseinnovationswillincreasecredit,financingchannelandinternationalcompetitionofSIMswhichhelpthemovercomethecurrentdifficulties.K
8、eywords:Smallandmediumsizedforeigntradeenterprise;Financingdifficulties;Financialmethod;Financinginnovation目录Ⅳ1中小企业融资理论概述11.1融资的内涵和